The Importance of Credit Counseling

Credit counseling involves a one-on-one consultation with a credit expert; a person who understands and can explain the complexities involved in a person's credit score.  While some people get credit counseling before applying for a credit card or a loan, many others do not.  While this is an Continue Reading

The Best Cell Phone Plans for Seniors

Looking at the way the world is changing, the more technologically savvy you are, the better. Many people tend to take advantage of the older citizen because of their supposed lack of technical knowledge and when it comes to cell phones, this thinking is very commonplace. Many companies disguise Continue Reading

Tips to Paying Off Hospital Debt after Giving Birth

The miracle of childbirth is a joyous experience that is all too often tainted with the harsh reality of having to pay for huge medical expenses. On average, the cost of giving birth is dependent on three things: your insurance coverage, the hospital or clinic you use, and the kind of delivery Continue Reading

How to Plan A Wedding on a (Small) Budget

So you've finally met "Mr.Right" and you're made the leap of faith and decided to get married. Like every bride-to-be, you want everything to be just perfect, but you also don't want to break the bank to get it that way. We'll cover some creative ideas about how to plan a wedding on a tight Continue Reading

Give the Gift of a Holiday-Free Zone

To Christmas or not to Christmas, that is the question… when you're a business owner. The Christmas season can yield pay dirt -- for some, it is the biggest sales opportunity of the year. For others, ignoring the holiday can reduce costs and stress. The decision to participate (or not) in the Continue Reading

How to Eat Healthy on a Budget

Studies show that Americans throw away half of all food that is purchased, at grocery stores and in restaurants. Eating the food purchased might be the best approach for eating healthy on a budget. Spending less starts with a great plan that will guide purchasing, preparation and storage choices. Continue Reading

5 Ways Charitable Giving Improves Your Well-Being

With an economy on the slide, incomes being slashed and the national mood bordering on fear with the fiscal cliff looming, the amount of dollars contributed to charitable organizations is down pretty much across the board.  Most people are still in a charitable mood, says Patrick Rooney, executive Continue Reading

How to Hurt Your Credit Score

It’s hard to make a major purchase without having your credit score checked. In some cases, it’s impossible to get a job if your credit score isn’t very good. Because it’s central to your life, you may be punishing yourself by unknowingly doing things that lower your score. Following are a few tips Continue Reading

7 Secrets Credit Card Companies are Keeping From You

Credit cards can be convenient and give you some perks and for many of people, have become an essential part of their lives.  But the little bit of green you may get in rewards  doesn't compare to the green that the credit card company is making off of you. Regardless of your situation, whether Continue Reading

The Reason You’re in Debt and What You Can Do About It

Failure to plan is the number one reason people get into more debt than they can handle, and it starts at an early age. From the time we’re in high school, we’re told to go to college and get a good education. That college education is expensive and many people fail to plan and save for it. Everyone Continue Reading